Bank reconciliation statement
Type the two balances for one date and the items that explain the gap between them: outstanding checks, deposits in transit, bank corrections, and book adjustments. The page works out the adjusted bank balance and the adjusted book balance, shows the difference to the cent, and adds every list a second way. It reports arithmetic only.
Everything is calculated in your browser. Nothing typed or opened here is uploaded; a draft is kept in this browser's own storage until you clear the form. This page works from typed figures or a filled-in workbook. It does not read PDF files or scans.
A workbook made with the bank reconciliation template fills in everything below in one step. Totals written on its Reconciliation sheet by hand are compared with the calculated ones. An Excel file downloaded from this page opens the same way.
The statement ending balance is the last balance on the bank statement. The book balance is the balance of the cash account in the ledger on the same date.
Every amount on the four lists below is typed as a positive number; a negative amount stops the calculation. A reversal is entered as a row of its own on the bank corrections list or the book adjustments list, with Add or Subtract: the same amount with the other choice takes a row back out.
Outstanding checks
Checks recorded in the books that are not on the bank statement yet. Their total is subtracted from the statement ending balance.
| Check number | Date | Payee | Amount |
|---|
Deposits in transit
Deposits recorded in the books that are not on the bank statement yet. Their total is added to the statement ending balance.
| Date | Description | Amount |
|---|
Bank corrections
Corrections to the bank's side, such as a deposit the bank entered at the wrong amount. Each one is added to the statement ending balance or subtracted from it.
| Description | Add or subtract | Amount |
|---|
Book adjustments
Amounts on the bank statement that are not in the books yet, and corrections to the books. Interest is entered with Add; a bank fee or a returned item is entered with Subtract. Each one is added to the book balance or subtracted from it.
| Description | Add or subtract | Amount |
|---|
The statement appears here once the statement ending balance and the book balance are both typed.
What gets checked
- The adjusted bank balance equals the adjusted book balance, to the cent. When they differ, the result is marked not reconciled and the difference is shown.
- Adjusted bank balance = statement ending balance + deposits in transit − outstanding checks + bank corrections added − bank corrections subtracted, worked out a second time row by row.
- Adjusted book balance = book balance + book adjustments added − book adjustments subtracted, worked out a second time row by row.
- The difference shown equals the adjusted bank balance minus the adjusted book balance in the second calculation.
- Outstanding checks, deposits in transit, bank corrections, and book adjustments are each added again, last row first, and equal the totals shown.
- Two warnings that do not fail the result: a check number listed twice, and a list row with an amount of zero.
- When a filled-in template workbook is opened: every filled row on its list sheets was read, and each total, adjusted balance, or difference written by hand on its Reconciliation sheet equals the calculated figure.
How it works
- Enter the bank side. Type the statement ending balance, then list the outstanding checks and the deposits in transit. A correction to the bank's side goes on the bank corrections list with Add or Subtract. A workbook made with the bank reconciliation template fills in both sides at once.
- Enter the book side. Type the book balance, then list on the book adjustments list what the bank statement has and the books do not have yet: interest with Add, a bank fee or a returned item with Subtract. A correction to the books goes on the same list.
- Read the two adjusted balances. The page shows the adjusted bank balance and the adjusted book balance side by side, says whether they are equal, shows the difference to the cent, and lists every check it ran.
- Print or export. Print the statement or save it as a PDF, or download Excel or CSV with the supporting lists and the certificate. The Excel file opens on this page again.
Worked example
A made-up checking account for Example Supply Co. as of March 31, 2026, with three outstanding checks, two deposits in transit, one bank correction, and four book adjustments.
| Line | How it is built | Amount |
|---|---|---|
| Statement ending balance | From the March statement | $12,480.35 |
| Plus deposits in transit | 640.50 + 1,250.00 | $1,890.50 |
| Less outstanding checks | No. 2041 315.20 + No. 2044 1,800.00 + No. 2046 92.75 | -$2,207.95 |
| Plus bank corrections added | A 254.00 deposit the bank entered as 245.00 | $9.00 |
| Less bank corrections subtracted | None | $0.00 |
| Adjusted bank balance | 12,480.35 + 1,890.50 − 2,207.95 + 9.00 − 0.00 | $12,171.90 |
| Book balance | From the cash account in the ledger | $12,201.15 |
| Plus book adjustments added | Interest 3.75 + 27.00 for check 2038, entered in the books as 152.00 and written for 125.00 | $30.75 |
| Less book adjustments subtracted | Service fee 15.00 + returned customer check 45.00 | -$60.00 |
| Adjusted book balance | 12,201.15 + 30.75 − 60.00 | $12,171.90 |
| Difference: adjusted bank − adjusted book | 12,171.90 − 12,171.90 | $0.00 |
Both adjusted balances are $12,171.90, so the difference is $0.00 and the statement reads reconciled. All 10 checks pass. If the $15.00 service fee were left off the book adjustments list, the adjusted book balance would be $12,186.90, adjusted bank − adjusted book would be -$15.00, the statement would read not reconciled, and the first check would fail.
The example uses made-up names and numbers.
Questions
Does a reconciled result mean the books are correct?
No. Reconciled here means the adjusted bank balance and the adjusted book balance are equal to the cent, and that the arithmetic was worked out a second way. The tool works only from the figures typed into it. It makes no statement about what any rule or standard requires, and it is not accounting advice.
How is a reversal entered?
Every amount on the four lists is typed as a positive number, and a negative amount stops the calculation with a message. On the bank corrections and book adjustments lists, Add or Subtract says which way a row goes, so a reversal is a row of its own with the same amount and the other choice.
Where do interest, bank fees, and returned items go?
On the book adjustments list. Those are amounts the bank has recorded and the books do not have yet. Interest is entered with Add; a bank fee or a returned item is entered with Subtract. They change the adjusted book balance and leave the adjusted bank balance as it is.
Can a whole reconciliation be opened from one workbook?
Yes. A workbook made with the bank reconciliation template on this site has a Reconciliation sheet and three list sheets. Opening it fills in every box and list on this page, where each figure can still be changed. A numbered row with nothing typed in it is skipped; a row with a description and no amount, or an amount that is not a number, is listed and the result is marked not verified. Totals written on the Reconciliation sheet by hand are compared with the calculated ones.
Does it read a bank statement file?
No. The two balances and the four lists are typed, or they come from the filled-in workbook. This page does not read PDF files or scans.
What do the two warnings mean?
A warning marks something worth a second look and does not fail the result. One appears when the same check number is on the outstanding checks list twice. The other appears when a list row has an amount of zero, which is how a row with a description and a blank amount is read.
Where is what I type kept?
In this browser only. Nothing is uploaded. A draft is saved in this browser's own storage so the form survives a reload; the Clear the form button removes it.
This tool calculates and checks numbers. It is not legal, tax, or medical advice.